最新的ACAMS CAMS免費考試真題

問題1

Which is an objective of the Financial Action Task Force (FATF)-Style Regional Bodies (FSRBs)?

A. To issue their own recommendations, considering local typologies, ignoring the FATF 40 recommendations

B. To work independently from FATF and to be closely involved in improving law enforcement outcomes in their regions

C. To enforce implementation of the FATF recommendations amongst its member countries

D. To work in parallel with FATF by operating on the basis of (mutual, joint, or common) recognition of their work

正確答案: C

問題2

Which statement is true regarding the FATF standards for SARs/STRs information sharing within a financial group?

A. Financial institutions (FIs) should establish sufficient safeguards concerning the confidentiality of information shared for AML purposes.

B. FIs must retain copies of SARs/STRs and supporting documentation for five years from the date of filing the STRs

C. FIs cannot share customer information at all since it is confidential.

D. FIs must require approval from regulators to share SARs/STRs information and supporting documentation.

正確答案: A

說明：（僅 Fast2test 成員可見）

問題3

The compliance department receives an internal referral that appears to indicate terrorist financing. What is the first step that should be taken in the investigation process?

A. Gather background and transaction information.

B. Immediately file a suspicious activity report.

C. Exit the relationship.

D. Notify the Board of Directors.

正確答案: A

說明：（僅 Fast2test 成員可見）

問題4

Which action should financial institutions with cross border correspondent banking activity be required to perform according to the Financial Action Task Force 40 Recommendations?

A. Obtain a third party independent review of the respondent's anti-money laundering program

B. Gather a list of their politically exposed customers

C. Obtain senior management approval before establishing the relationship

D. Identify natural persons who own or control more than 5%

正確答案: C

說明：（僅 Fast2test 成員可見）

問題5

A large cash deposit most likely reflects money laundering when it is
1. from a customer who has never conducted a transaction in cash before.
2. transacted in segments smaller than the reporting thresholds at various times during the day.
3. followed by an immediate wire transfer to an offshore secrecy haven.
4. by a customer who operates a cash-based business.

A. 1, 2, and 3 only

B. l, 2, and 4 only

C. 1, 3, and 4 only

D. 2, 3, and 4 only

正確答案: A

說明：（僅 Fast2test 成員可見）

問題6

On-line financial technologies are susceptible to money laundering risk because

A. Baring staff are familiar with how this technology can be abused.

B. The risk of identity theft is greatly increased.

C. The identity of the people who conduct transactions may be unknown.

D. Viruses significantly damage communications and commerce.

正確答案: C

說明：（僅 Fast2test 成員可見）

問題7

In its paper. Customer Due Diligence for Banks, the Basel Committee on Banking Supervision identified which risks on banking institutions as a result of an inadequate KYC program?

A. Legal, reputational, operational, concentration

B. Security, information, local, operational

C. Outsourcing, legal, concentration, reputational

D. Credit, operational, market, concentration

正確答案: A

說明：（僅 Fast2test 成員可見）

問題8

Challenges in the implementation of new technologies for AML/CFT include: (Select Four.)

A. regulatory.

B. data privacy.

C. the Travel Rule.

D. complexity.

E. enhanced due diligence (EDD) policies.

F. data quality.

正確答案: B,C,D,F

說明：（僅 Fast2test 成員可見）

問題9

According to the Egmont Group, which benefits do public-private partnerships (PPPs) provide to Financial Intelligence Units (FIUs)? (Select Three.)

A. Helping overcome data protection and information sharing limitations

B. Offering flexibility, agility, and opportunities to adjust to the ML/TF threat environment

C. Enhancing the quality of reporting and additional informational input

D. Helping to alleviate the financial cost burden on law enforcement

E. Helping to design common approaches and identify desired deliverables

正確答案: A,B,C

說明：（僅 Fast2test 成員可見）

問題10

An audit completed the previous week revealed that a private banking customer submitted incomplete documents when establishing an account earlier in the year. The customer received weekly electronic fund transfers from a narcotic-producing jurisdiction.
While the Relationship Manager who opened the account is on leave for 5 weeks, the customer requests that the institution remit a substantial sum to a country that represents a high risk of money laundering.
The Relationship Manager is a friend of the anti-money laundering specialist. Which of the following should the anti-money laundering officer do first?

A. Postpone the follow-up on the audit finding.

B. File a suspicious transaction report with the competent authority.

C. Investigate the transfer of funds.

D. Suspend the transfer until the relationship manager returns.

正確答案: A

問題11

Which is an indicator that there is an attempt to conceal a company's true beneficial ownership?

A. Beneficial ownership information from the time that the company was formed several years ago does not match the current beneficial ownership information.

B. The company has a subsidiary in another jurisdiction, and the beneficial ownership of the subsidiary includes a local investor in that jurisdiction.

C. The person filling out an application on the company's behalf indicates that a beneficial owner is a nominee for another person not named in the company's documentation.

D. Recent changes to the company's ownership structure have been documented internally and are reflected in documents filed with local authorities.

正確答案: C

說明：（僅 Fast2test 成員可見）

最新的ACAMS Certified Anti-Money Laundering Specialists (the 6th edition) - CAMS免費考試真題

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